The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,155
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$921/mo
Today · 4.125%
HK$30,983
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,966/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,304
−HK$883/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$1,106/mo
Today · 4.125%
HK$37,180
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$2,262/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,360/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,059/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,187
+HK$2,163/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,290/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,408
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,626
−HK$1,236/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,479
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,111
−HK$1,659/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$59,163
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,382
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,589/mo
Today · 4.125%
HK$61,537
baseline
▲ 0.50% · 4.625%
HK$64,780
+HK$3,243/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,074/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,469 · Scale 2, in force from 26 Feb 2026)